SMS codes go to the past. Mobile authorization in the Pekao bank is expected to be available by the end of March

Over the years, the most popular method of authorization in transactions ordered on websites was the SMS code. This service, however, is slowly becoming a thing of the past. It is replaced by mobile authorization, which is being decided by more and more banks. The clients of Pekao SA will soon be able to use it

We have got used to the fact that during the transfer or online payment we receive an authorization code that comes in an SMS from the bank. It is only after entering it in the appropriate window that our transaction can take place.

At a time when technology is turning upside down the world of finance, more and more entities are choosing a different method of authorization. SMSs are not the safest form of transaction authorization. They also generate costs. In total, they will cost banks up to several tens of millions of zlotys a year. Mobile authorization is the recipe for these weaknesses.

Mobile authorization will appear in Pekao SA by the end of the first quarter of 2019.

mBank, NG Bank Śląski, Getin Bank, eurobank, T-Mobile Banking Services, Santander Bank Polska, Bank Polskiej Spółdzielczości - here clients can use mobile authorization on the occasion of online transactions. Pekao SA's customers will soon join them

The bank is in the phase of testing new, mobile authorization in electronic channels on a closed group. We want to be sure that the new method will meet the expectations of our clients. The availability of a new method to clients is planned until the end of the first quarter of 2019. The method will be free and available to both new and existing Pekao24 clients - explains Tomasz Bogusławski from the Bank Pekao press office.

Mobile authorization - what is it?

Mobile authorization is closely related to the banking application. It is made using push notifications - sent just by the application. Everything happens within the banking system, without having to rely on telecoms (as in the case of SMS notifications).

This form of authorization makes life difficult for criminals who specialized in extorting sensitive data by, among others, phishing . That is, impersonating a given person or institution / bank. Using only the application and mobile authorization, this option at least makes it difficult, as it almost does not eliminate.

No more scratch cards and PekaoToken codes.

Pekao SA, informing about the launch of mobile authorization in its services in the near future, at the same time reminds about the extinguishing of older forms of identity confirmation in online transactions. It's about cheat card codes and solutions like PekaoToken and hardware token. You will be able to use them until August 14, 2019 at the latest.

After this date, it will not be possible. This is related to the adaptation to the EU PSD2 directive this year. The primary goal of the new regulations is to deepen the current market of payment services in compliance with the security rules.

More frequent introduction of mobile authorization by banks determines greater customer attention to the security of the application itself. Data leave no illusions : more than 70 percent. Smartphone users use bank mobile applications. And you can rather calmly assume that this number will continue to grow.

The more it is worth checking whether the banking application we want to use is safe. The banks themselves have one iron rule here: you have to download applications from trusted sources. Financial institutions monitor application stores and react immediately whenever there is a dangerous counterfeit. But the attention of customers also does not hurt. A handful of universal tips: have limited confidence in public Wi-Fi networks, do not open suspicious emails and attachments, and use only the original software and regularly update them.



SMS codes go to the past. Mobile authorization in the Pekao bank is expected to be available by the end of March

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